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Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accrued interest

The interest applied as a penalisation when the debtor does not comply with repayment obligations. The amount must be established in the contract.

Active supermortgage

This allows the client to choose their loan's benchmark index (MIBOR at three months, six months or a year) so that payment can benefit from lower interest rates sooner.

Adaptable instalment

Characteristic of UCI superloans that allow the borrower to not pay one instalment a year for the first three years if there are problems due to holidays, extraordinary expenses, etc.

Advanced cancellation fee

A commission arising from the financial risk involved in the advanced cancellation of an operation. The applied commission compensates the financial institution for its financial losses.

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

Group of social housing or dwellings from social renovation projects that are sold or rented at below-market prices.

Affordable rent

The cost of renting these dwellings is below market prices after being included in operations concerning the rented flat pool, social renovation or social housing promotions.

Amortisation

Payment made to repay a loan.

Amortisation period

The duration of the loan. The contract establishes the date of the first and last payments. The longer the period, the lower the payments are, but the higher the interest. You therefore pay more in the end. The monthly instalment should not exceed 35% of your net income.

API

Estate agent. A qualified professional who acts as an intermediary between the two interested parties to facilitate the signing of a real estate contract, which can be a rental agreement, a sales agreement or another similar contract. They usually charge a percentage of the sales price as compensation or commission.

Applicant

A citizen who makes a registration application to the Barcelona Social Housing Applicants Registry, and who represents the other members of the dwelling unit included in the application.

APR

Annual Equivalent Rate. Effective annual cost of the mortgage in terms of interest, commissions and the repayment period. To compare loans, it is not enough to just look at the lowest APR, you also have to compare the conditions, the repayment period and the distribution of instalment payments.

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

The value of a dwelling certified by a specialised assessment company, in accordance with the mortgage market law. This certificate not only indicates the real value of the property, it also serves as a reference for obtaining the necessary financing.

Authorisation

Document in which the owner authorises the tenant to carry out building work in the dwelling's interior.

Close glossary

Housing offices only offer face-to-face assistance by prior appointment, so check out the “Housing calls you” service here to receive the most appropriate personalised assistance. If you also need assistance in energy rights, book an appointment with an energy-advice point (PAE) by clicking here. On the other hand, if you reside in an IMHAB public dwelling you can consult our contact, management and processing channels here.​

The city’s public and cooperative housing opens up to citizens with the first edition of the 'Model. Barcelona Architectures Festival'

05/05/2022 - 13:42

Housing. The festival will take place from 5 to 15 May at various points in the city, and presents over one hundred activities, including installations, augmented realities, debates and routes.

The city of Barcelona has a new festival. It is called ‘Model. Barcelona Architectures Festival‘, which will celebrate its first edition from 5 to 15 May. The event, co-organised by Barcelona City Council and the Architects’ Association of Catalonia, is created as the first grand event in the UIA-Unesco World Architecture Capital of Barcelona 2026.

In total, over a hundred proposals will be organised for all types of audiences, such as ten physical and augmented reality facilities, group meals, tours, workshops, debates, a book fair as well as a tribute to Oriol Bohigas. One of the events is “Veus Model” (Voices Model), a seven-kilometre circuit involving an immersive format in the form of audio-guides to discover unique and iconic points of the city described by voices of their citizens.

‘Model. Barcelona Architectures Festival’ is conceived as a festival to rethink the construction of the city from the perspective of architecture and urban planning in order to face the social, political and climatic challenges of the 21st century. In this regard, one of the proposals are the routes to learn about public and cooperative housing projects in the city, organised by Barcelona’s Municipal Institute of Housing and Renovation. In total there will be four routes distributed throughout various points on 6 and 10 of May, and where the architecture teams involved will also participate. Some of the projects that can be seen will be those of La Balma, Can Batlló and La Chalmeta.

 

Friday, 6 May, at 4:00 pm | Glòries

The route will consist of a brief tour of the surroundings of the Glòries area: Carrer Tànger, 40 (an IMHAB development with 47 houses used for social rentals and 20 temporary emergency accommodations), APROP Glòries (with 24 temporary accommodations), Carrer Ciutat de Granada, 145-147-149 (an IMHAB development with 105 homes for the elderly), and Illa Glòries (IMHAB projects in Carrer Castillejos and Carrer dels Encants Vells with 125 homes for rent and 113 under the surface right law).

Meeting point: Casal de Barri La Llacuna, Carrer de Bolívia, 49

More information

 

Friday, 6 May, at 6:00 pm | 22@ Nord

This route will consist of a brief tour around 22@ Nord: La Balma (development with 20 cooperative houses), Carrer Puigcerdà, 100 / Carrer Maresme, 87 (an IMHAB development with 48 homes for the elderly and 27 under the surface right law) and Carrer Pere IV, 455 (an IMHAB project with 42 homes for people affected by urban development, 29 for the elderly and 12 for social rentals).

Meeting point: Carrer Espronceda, 133

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Tuesday, 10 May, at 4:00 pm | Can Batlló

This route will consist of a brief tour around the Can Batlló area: Carrer Constitució, 31 (an IMHAB development with 13 homes under the surface right law, 9 social rentals and 4 for people affected by urban development), Carrer Parcerisa, 6 (an IMHAB development with 13 homes under the surface right law, 12 for people affected by urban development and 1 of social rental), La Borda (a development of 28 cooperative houses under a transfer-of-use scheme on municipal land) and Sotrac (a project involving 38 cooperative homes under a transfer-of-use scheme).

Meeting point: Carrer de la Constitució, 31

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Tuesday, 10 May, at 6:00 pm | La Marina del Prat Vermell

This route will consist of a brief tour around La Marina del Prat Vermell, currently under transformation. La Chalmeta (a development of 32 cooperative homes under a transfer-of-use scheme), Carrer Ulldecona, 2 (an IMHAB development with 72 houses for rent) and Carrer de Cal Cisó, 49 (an IMHAB development with 60 affordable rental homes and 48 homes for social rentals.

Meeting point: Foc (L10) metro exit, on the corner of Carrer del Foc and Passeig Zona Franca

More information